Market LeaderNo DeductibleHMO Top Pick

Maxicare PRIMA Gold

by Maxicare Healthcare Corporation

★★★★☆4.4(12,600 reviews)

Maxicare PRIMA Gold is the flagship individual health plan from Maxicare, the Philippines' largest HMO provider, known for its extensive network, zero-deductible model, and strong digital member services.

Monthly Premium

PHP 2,500 – PHP 8,000

Deductible

PHP 0

Coverage Type

comprehensive

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Coverage Details

✓Hospitalization

✓Outpatient Care

✗Dental

✗Vision

✗Mental Health

✓Maternity

✓Prescription Drugs

✓Emergency Care

✗International Coverage

✓Telehealth

Pros

✓Largest HMO network in the Philippines offering unmatched access
✓Zero deductible structure simplifies healthcare utilization
✓Strong employer group and individual plan options with competitive pricing
✓Emergency abroad coverage included for travel to ASEAN countries

Cons

✗Pre-authorization required for most specialist consultations
✗Some provincial hospitals outside primary network require referral

Editorial Review

“Maxicare PRIMA Gold consistently tops Philippine HMO rankings for its breadth of network, member satisfaction, and competitive benefit limits, making it the default choice for Filipino professionals seeking private health cover.”

— BusinessWorld Philippines Insurance Awards, 2024